What to do when a First PREMIER account holder dies
Report the death to First PREMIER's PREMIER Bankcard Customer Service at 1-800-987-5521
When an account holder at First PREMIER dies, the executor contacts the PREMIER Bankcard Customer Service (1-800-987-5521) to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
Before contacting First PREMIER, have the account holder's full name, date of birth, and any available account numbers ready.
Death claim process
The death claim process at First PREMIER works as follows:
Filing a claim
- Enclose a copy of the death certificate
- Include the deceased cardholder's name, address and Credit Account number, which the agreement asks written notices to carry so the bank can match them to the account
- A dispute about a specific charge goes to a different box under "What To Do If You Find A Mistake On Your Statement": First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524
- The agreement states that payment instructions are printed on the monthly Statement
- First PREMIER's consumer-loan payment page routes credit-card payments to the PREMIER Bankcard servicing site, not to the bank's PO Box 1348 loan-payment box
Required Documents
- Death certificateA copy, enclosed with the written notice.
- The Credit Account number, with the cardholder's name and addressSo the bank can match a written notice to the account.
- Letters of Testamentary or Letters of Administration, if the bank asks for proof of authority over the estate
- Small estate affidavit, in place of court letters, if the bank asks for proof of authority over the estate
What happens to each kind of account1
- Credit card
On a joint Credit Account, each person who signed the application "will be responsible for paying all amounts owed" and can close the account. Where more than one person requested or accepted the account, "each and every person individually and jointly are responsible for payment until the account is paid in full."1
The agreement's definition of "You" and "your" includes "Authorized Users, joint account holders," and the account holder is responsible for an authorized user's charges. An authorized user is removed by phone or in writing, and the bank may then close the account and issue a new card and account number.1
What First PREMIER's agreement and guidance say1
- Telling the institution
Under "Binding Effect Upon Death or Incompetency," a purchase or cash advance the bank pays before it receives actual written notice of death is a valid and binding obligation of the cardholder, the estate and the personal representatives.1
Not in First PREMIER's published guidance3
- A department for deceased-customer accounts
- A claim form
- How long a claim takes
Sources1
First PREMIER's PREMIER Bankcard Customer Service can be reached by phone at 1-800-987-5521 for questions throughout the claims process.
Sources
Data sourced from First PREMIER primary sources (14 pages reviewed). How we research.
First PREMIER death claims support
PREMIER Bankcard Customer Service (Deceased Cardholder)
Phone
Hours
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